Search found 226 matches

by Oakwood42
Fri Apr 03, 2020 12:21 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1533
Views: 124429

Re: Small Cap Value heads Rejoice !!!

Recently even Fama-French updated their paper which pretty much concluded there wasn't any reliable premium for value since their study was published. This is what they actually concluded: Comparing the first and second half-period averages, we don’t come close to rejecting the hypothesis that out-...
by Oakwood42
Thu Apr 02, 2020 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 32410

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

I have been reading up on this through various sources as I am going to be helping many businesses through my volunteering at SCORE. Both laws (March 6th and March 26th - CARES) have significant provisions to help small business community. I thought I'd start a thread where we can exchange ideas an...
by Oakwood42
Tue Mar 31, 2020 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Taking SBA Loan When Not Absolutely Needed - Moral Considerations
Replies: 18
Views: 1496

Re: Taking SBA Loan When Not Absolutely Needed - Moral Considerations

I'm in a similar boat - My business did get hammered revenue wise but I'm not bankrupt because of the downturn. I think I'll end up taking the SBA loan if I qualify for it but I'm not really counting on it. BTW how does one apply for it? My local CU doesn't have any info yet. https://www.uschamber....
by Oakwood42
Tue Mar 31, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Taking SBA Loan When Not Absolutely Needed - Moral Considerations
Replies: 18
Views: 1496

Re: Taking SBA Loan When Not Absolutely Needed - Moral Considerations

theplayer11 wrote:
Tue Mar 31, 2020 7:44 pm
Not to get political, but if the Kennedy Center can get $25m in this new law, I think your business and my business should be able to get $10k for our lost revenues.
A BIG PLUS ONE RIGHT HERE.
by Oakwood42
Sat Mar 28, 2020 2:28 pm
Forum: Personal Investments
Topic: Do Target Date funds with bonds still make sense now?
Replies: 38
Views: 2041

Re: Do Target Date funds with bonds still make sense now?

Bonds make no sense at all - in my opinion I’m curious to here your explanation. That’s an interesting statement and I’d like to hear more about the context. You just saw rates go to zero and will likely head to negative rates like the rest of the world. You just saw many bond funds lose money. The...
by Oakwood42
Sat Mar 28, 2020 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 12687

Re: How are you going to use your stimulus money?

At the risk of straying into the political (sorry Lady Geek if this is too much), but I think the concern for Bogleheads should be to spend the money to juice the economy and get things moving again. The loss of $1200 or $2400 or a little more (by not receiving a check) pales in comparison to the a...
by Oakwood42
Sat Mar 28, 2020 1:03 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation of Stock Picking during market crash
Replies: 48
Views: 2827

Re: How to avoid temptation of Stock Picking during market crash

How do I avoid it? Easy: I don't commit the fallacy of thinking that stocks that have dropped in price must come back up, so I don't think of them as discounts. Try it. fallacy? Is mistake the better word? It is not the case that a stock that has dropped must come back up. And less likely still tha...
by Oakwood42
Sat Mar 28, 2020 1:00 pm
Forum: Personal Investments
Topic: Do Target Date funds with bonds still make sense now?
Replies: 38
Views: 2041

Re: Do Target Date funds with bonds still make sense now?

nix4me wrote:
Sat Mar 28, 2020 12:25 pm
Bonds make no sense at all - in my opinion
I’m curious to here your explanation. That’s an interesting statement and I’d like to hear more about the context.
by Oakwood42
Fri Mar 27, 2020 5:16 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation of Stock Picking during market crash
Replies: 48
Views: 2827

Re: How to avoid temptation of Stock Picking during market crash

How do I avoid it? Easy: I don't commit the fallacy of thinking that stocks that have dropped in price must come back up, so I don't think of them as discounts. Try it. fallacy? Is mistake the better word? It is not the case that a stock that has dropped must come back up. And less likely still tha...
by Oakwood42
Fri Mar 27, 2020 3:34 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 50863

Re: How Is Your Job Being Impacted By The Current Crisis?

I teach students with dyslexia how to read, write, and spell. I have 18 students who I tutor 1:1 twice a week. 4 of them are in office and the others are online all over the country. I moved all 4 local students to online. I'm getting 6 - 8 calls a day from parents looking from me to bridge service...
by Oakwood42
Fri Mar 27, 2020 1:47 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation of Stock Picking during market crash
Replies: 48
Views: 2827

Re: How to avoid temptation of Stock Picking during market crash

rbaldini wrote:
Fri Mar 27, 2020 12:55 pm
How do I avoid it? Easy: I don't commit the fallacy of thinking that stocks that have dropped in price must come back up, so I don't think of them as discounts. Try it.
fallacy?
by Oakwood42
Fri Mar 27, 2020 1:47 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation of Stock Picking during market crash
Replies: 48
Views: 2827

Re: How to avoid temptation of Stock Picking during market crash

I don't - I bought individual stocks for the first time in my life last week (Exxon and Marriott). I did this with some cash I had on the sidelines and I liked what I saw in those companies. I plan to own them until they reach a certain threshold and then sell them and move them over into my regula...
by Oakwood42
Wed Mar 25, 2020 8:42 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 25688

Re: How much you lost/gain since Feb 20,2020 ?

Starfox wrote:
Thu Mar 12, 2020 6:13 am
5 million :annoyed
Moving 1million from muni into Total US Stock today.
Plan to move another 1 million if sp500 falls further to 2400 (-30% lower than all time highs)
During this market panic, buying helps calm my emotions.
"buying helps calm my emotions." AGREED
by Oakwood42
Wed Mar 25, 2020 8:42 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 25688

Re: How much you lost/gain since Feb 20,2020 ?

byungk69 wrote:
Thu Mar 12, 2020 5:27 am
$450k (15%). I’m only 41 so I’m actually looking forward to next 20 years and the rebound.
+1
by Oakwood42
Wed Mar 25, 2020 8:41 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 25688

Re: How much you lost/gain since Feb 20,2020 ?

sfnerd wrote:
Thu Mar 12, 2020 3:01 am
Probably a couple million. Easy come easy go. Stay the course, and buy if you have cash.
lol
by Oakwood42
Fri Mar 20, 2020 12:47 pm
Forum: Personal Investments
Topic: Lock loss or ride the wave with 15 years to go?
Replies: 62
Views: 4309

Re: Lock loss or ride the wave with 15 years to go?

I think the market is about to take an even bigger hit in the next few months. I have lost 30% so far, but I have at least 13-15 years until I need that money. Here’s my dilemma: A. Lock in my losses as it takes longer to recuperate the lower I go. B. Ride the wave because I have a good while to go...
by Oakwood42
Fri Mar 20, 2020 12:46 pm
Forum: Personal Investments
Topic: Lock loss or ride the wave with 15 years to go?
Replies: 62
Views: 4309

Re: Lock loss or ride the wave with 15 years to go?

retiredjg wrote:
Fri Mar 20, 2020 11:29 am
Ride the wave. Locking in the losses is a good way to permanently lose money.
+1
by Oakwood42
Thu Mar 05, 2020 11:40 am
Forum: Investing - Theory, News & General
Topic: Where My 100% Equities Peeps At?!?
Replies: 211
Views: 20917

Re: Where My 100% Equities Peeps At?!?

It's time to test our mettle!! I was in the market during 2008 but I was only a wee lad and my portfolio was minuscule but now seeing that I dropped $30k in a few days has been sobering. Regardless, I'm in for it the long haul baby so time to buckle down and ride this roller coaster! Posting to enc...
by Oakwood42
Thu Feb 13, 2020 7:06 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Charlie Munger's recent comments?
Replies: 84
Views: 10452

Re: Thoughts on Charlie Munger's recent comments?

Pierre Delecto wrote:
Thu Feb 13, 2020 2:18 pm
I say just ignore all of this talk. Keep buying per your plan. It all averages out in end over the long haul.
Wow - just wanted to say that is an excellent user name!
by Oakwood42
Tue Feb 11, 2020 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: NYC: Stay in rent stabilized apt. or buy a place?
Replies: 28
Views: 2447

Re: NYC: Stay in rent stabilized apt. or buy a place?

ivk5 wrote:
Mon Feb 10, 2020 12:48 am
Single in NYC and no kids = keep renting and stay flexible. Upper Manhattan can be great (we were in Inwood until couple years ago, loved it).
+1
by Oakwood42
Tue Feb 11, 2020 5:00 pm
Forum: Personal Investments
Topic: What to do with 5M?
Replies: 111
Views: 31052

Re: What to do with 5M?

Did you start another company? Yep. Funny story, we actually started a new company with the goal of being a truly free financial robo-advisor. I really wanted to rid the world of percentage-based advisors and the terrible underperforming funds with hidden kickbacks that they love to sell you. Sadly...
by Oakwood42
Tue Feb 11, 2020 3:31 pm
Forum: Personal Investments
Topic: What to do with 5M?
Replies: 111
Views: 31052

Re: What to do with 5M?

Hello Bogleheads, I've recently sold my company and after the vesting period of 2 years ends, I will have received about $5M in post-tax cash. Right now I have about half of that. During the first year, I invested in a couple real-estate deals, and gave a big chunk to a highly-recommended financial...
by Oakwood42
Wed Feb 05, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: Skiing Frugally
Replies: 45
Views: 4609

Re: Skiing Frugally

tfb wrote:
Mon Feb 03, 2020 4:21 pm
Wellfleet wrote:
Mon Feb 03, 2020 3:05 pm
What other frugal tips am I missing to keep costs low-ish?
Ski cross-country. No lift tickets required.
That sounds so boring.
by Oakwood42
Mon Jan 27, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Recommend me a good duffel bag for traveling? Checked luggage
Replies: 17
Views: 1480

Re: Recommend me a good duffel bag for traveling? Checked luggage

L.L. Bean https://www.llbean.com/llb/shop/904?originalProduct=63912&productId=54581&attrValue_0=Nautical%20Blue&pla1=0&mr%3AtrackingCode=CE523703-BFE7-E511-80ED-00505694403D&mr%3AreferralID=NA&mr%3Adevice=c&mr%3AadType=plaonline&qs=3125263&gclid=EAIaIQobChMImLLfooGl5wIVAZSzCh1zXwbAEAQYASABEgKHlPD_Bw...
by Oakwood42
Fri Jan 24, 2020 4:33 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 4027

Re: Happy Birthday Taylor! 96 years young!

Happy Birthday Mr. Larimore!
by Oakwood42
Thu Jan 23, 2020 2:29 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26582

Re: Sad news: LadyGeek's husband has passed

Sorry for your loss.
by Oakwood42
Mon Jan 20, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: My Hotmail account is getting spammed big time
Replies: 48
Views: 4735

Re: My Hotmail account is getting spammed big time

This is my primary account, had it for 20 years. It's set to exclusive. Haven't seen this happen before. Anyone else getting hit like this? Any fixes? I thought Hotmail was discontinued decades ago. I am very surprised it is still active/available. Do you pay for your Hotmail email address? lol
by Oakwood42
Fri Jan 17, 2020 7:03 pm
Forum: Investing - Theory, News & General
Topic: LA Times on Vanguard Too Big
Replies: 64
Views: 8423

Re: LA Times on Vanguard Too Big

Some concern when any industry is dominated by a major player. I see the downside of Vanguard's massive inflows is service issues. I've run mutual fund call centers and processing areas and while things are more automated now -- getting and keeping a well trained staff is a major challenge as is ma...
by Oakwood42
Thu Jan 09, 2020 4:08 pm
Forum: Investing - Theory, News & General
Topic: 100% stock threads as a counter indicator
Replies: 42
Views: 3398

Re: 100% stock threads as a counter indicator

There have been multiple 100% stock portfolio threads popping up lately on the forum. And many members are fine with or even advocating this kind of allocation. I see a lot of these supporters joined the forum after the last real bear market of 2008-2009 and may have no painful memory of the bear m...
by Oakwood42
Thu Dec 19, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: Casual slip on shoes
Replies: 25
Views: 2551

Re: Casual slip on shoes

I used to own a pair of Merrill's, but in women's. It's been many, many years ago. They were comfortable, but I always noticed that it was easy to "trip" as the bottom of the shoe didn't necessarily, I don't know how to say it, "float" over the floor while walking, but would kind of get stuck on th...
by Oakwood42
Thu Dec 19, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - streaming on HBO]
Replies: 94
Views: 13448

Re: [Peter Jackson’s “They shall not grow old” - now streaming on Amazon Prime]

Kenkat wrote:
Thu Dec 12, 2019 2:28 pm
Watched this on DVD from my local library and it was a fantastic, haunting and sobering portrayal of trench warfare on the western front in World War One.
+1
by Oakwood42
Thu Dec 19, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - streaming on HBO]
Replies: 94
Views: 13448

Re: [Peter Jackson’s “They shall not grow old” - streaming on HBO]

letsgobobby wrote:
Sun Dec 16, 2018 7:22 pm
[Title was: "[Peter Jackson’s “They shall not grow old” - now showing Jan 21]" Subscription to HBO required, see this post.

--admin LadyGeek]


Deleted
I saw this movie already - it was pretty amazing.
by Oakwood42
Thu Dec 19, 2019 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 149940

Re: High Earners - What's Your Profession?

klondike wrote:
Wed Dec 18, 2019 6:11 pm
I am a part time landlord owning property in very desirable, expensive part of costal SoCal. I don't see many applicants with income>$100k/yr. How do they get by? Well I don't know.
That's an interesting question - I think that a lot to myself.
by Oakwood42
Wed Dec 18, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 149940

Re: High Earners - What's Your Profession?

Senior finance executive public company. Also I would not consider a cutoff of $100K a high earner. I’d be thinking more along the lines of north of mid six figures. At that level you are well beyond making ends meet with the opportunity to save a considerable amount and doing something different (...
by Oakwood42
Wed Dec 18, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: What to expect buying a new 2020 "build your own" BMW
Replies: 40
Views: 3032

Re: What to expect buying a new 2020 "build your own" BMW

HEDGEFUNDIE wrote:
Tue Dec 17, 2019 10:53 pm
Have you considered a used Camry?
lol
by Oakwood42
Thu Dec 12, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Check Cashing Business
Replies: 40
Views: 2323

Re: Check Cashing Business

Being un/under-banked is sometimes by choice. I've had some aides over the years who were recent immigrants, and some were very mistrustful of banks. I suppose in their native countries there were problems they had encountered. One told me about how a number of people would give equal weekly amount...
by Oakwood42
Thu Dec 12, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Check Cashing Business
Replies: 40
Views: 2323

Re: Check Cashing Business

I would be suspect that they will go the way of the video rental stores and travel agencies that used to be in almost every strip mall. The future of paper checks is not bright. They are being replaced by a number of person to person payment apps, online payments, and I think that most large employ...
by Oakwood42
Wed Dec 11, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: How much money can retirees really save by moving to a state without income tax?
Replies: 143
Views: 11921

Re: How much money can retirees really save by moving to a state without income tax?

It's incredibly dependent on your level of wealth. Also what size house, etc if the state has high property taxes. if you have a modest retirement and home, it doesn't matter as much. But I don't buy for a minute that it "all equals out" on the higher levels of income and assets, there are absolute...
by Oakwood42
Fri Dec 06, 2019 9:45 pm
Forum: Personal Investments
Topic: 2020 Plan for $45,000,000 in 2045
Replies: 81
Views: 14606

Re: 2020 Plan for $45,000,000 in 2045

RickBoglehead wrote:
Fri Dec 06, 2019 6:09 pm
In 2183 I will have $1.4 billion. However, if I live to 100 I will be dead over 100 years before that... :oops:
LOL
by Oakwood42
Tue Dec 03, 2019 8:21 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1411
Views: 190550

Re: Post your Financial Milestone Announcements Here

I'm nearing my two year anniversary for when I came to Bogleheads seeking advice. I had limited knowledge on investing so I asked for help to get me started in the right direction. Duckie, Grt2bOutdoors, and Sergeant all did a fantastic job helping me launch. The members of this forum are incredibl...
by Oakwood42
Tue Nov 26, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 88456

Re: Found hidden safe, should we crack?

9-5 Suited wrote:
Sun Nov 24, 2019 12:31 pm
Potential for an epic, legendary Bogleheads thread here. It would drive me bananas if I never found out what was inside, but definitely would consider the money paid largely lost with an expectation of no return aside from getting a nice usable safe in the end (if that’s how it works).
+1
by Oakwood42
Mon Nov 18, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Online MBA - Worth It?
Replies: 30
Views: 2398

Re: Online MBA - Worth It?

Nope, an online MBA would not be worth it. They are cash cows for strapped institutions. In reality most MBAs are a waste of time and money. There is a glut of grads out there who can't get relevant jobs. Too many have been produced. Not enough jobs exist. Google MBA. The good MBAs are listed, thos...
by Oakwood42
Thu Nov 14, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 54
Views: 4231

Re: Snow tires

Michelin X-Ice Xi3

These are excellent in snow and rain!
by Oakwood42
Tue Nov 05, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 89785

Re: Flaunt Your High-Mileage Car

TdF fan wrote:
Sun Dec 06, 2015 7:03 pm
323,000 miles - 1993 Honda Accord - bought new (planning on buying a new car soon)

a funny article from the Onion: http://www.theonion.com/article/toyota- ... ly-s-50480
Good for you!
by Oakwood42
Tue Nov 05, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 89785

Re: Flaunt Your High-Mileage Car

I don't think anything made in this century or under 100,000 really counts. Over 200,000 is required to be truly impressive. I recently got rid of a '99 but it was only a bit past 100,000, so I am not going to flaunt it. At one time back in the mid-seventies I owned a 50's something Ford truck. Who...
by Oakwood42
Tue Oct 15, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Offered 18-Month, 0% interest loan w/2% fee. Should I take the loan and invest or pass on the offer?
Replies: 72
Views: 5875

Re: Offered 18-Month, 0% interest loan w/2% fee. Should I take the loan and invest or pass on the offer?

305pelusa wrote:
Fri Oct 11, 2019 9:34 pm
Sounds like an excellent idea. Invest it per your IPS (whether that's stocks or mortgage, or whatever else)
+1
by Oakwood42
Thu Aug 29, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: Purchasing a truck - thoughts?
Replies: 105
Views: 7287

Re: Purchasing a truck - thoughts?

Summit111 wrote:
Tue Aug 27, 2019 9:55 pm
Can’t beat Toyota for reliability....Have a 2001 Tacoma with 310,000 trouble free miles...

Summit
wow good stuff!
by Oakwood42
Mon Aug 19, 2019 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone retire in their 30s?
Replies: 108
Views: 14980

Re: Anyone retire in their 30s?

Retired 20 years, now aged 75. This past year has been rather boring. Spending more and more time on BH! Bucket list finished a decade ago. Too lazy even to pursue my old hobbies. Seen the world, etc. Been around twice. Health and wealth fine. Be careful as to what you wish for. I am not keen for a...